This home is in St. Augustine.

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Active

Active·118 days on market

471 S Hamilton Springs Road

St. Augustine, FL 32084

$379,900$217/sqftEst. $2,022/moMLS# 2135788

Beds

Baths

1,750

Sq Ft

2008

Built

Garage

Pool

About this home

St. Augustine

Welcome to 471 S Hamilton Springs Road in beautiful St. Augustine, where comfort, style, and convenience come together in the sought-after Sebastian Cove community. This freshly updated home offers 3 bedrooms, 2 bathrooms, and 1,750 square feet of well-designed living space, built in 2008 and recently painted inside and out for a clean, modern feel. Step inside and feel the openness of the spacious split floor plan, designed for both privacy and easy living. The main living area flows effortlessly, with durable tile and LVP flooring throughout, creating a low-maintenance and polished look. The large kitchen is the heart of the home, featuring a generous breakfast bar that overlooks the family room and dining area--perfect for everyday living and entertaining. The primary suite offers a relaxing retreat with plenty of space, large closets, and a well-appointed bathroom that includes a walk-in shower and a garden tub. Every detail is designed for comfort and function.

Cost to own

Mortgage calculator

Home Price

$379,900

Down Payment: 20%

$75,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,919

Principal & Interest: $1,919

Est. Taxes & Insurance: $480

Estimated Total Monthly

$2,399

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$2,022

Property taxesest. at asking price, St. Johns County$506

HOAbilled quarterly$65

Estimated total, before insurance$2,593/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$317,007	$317,007	—
2024	$323,875	$323,875	—
2023	$326,307	$312,869	—
2022	$284,426	$284,426	—
2021	$205,634	$141,983	—
2020	$200,862	$139,332	—

2025 property taxes (current owner): $4,622/yr

Estimated taxes if purchased at asking price: ~$6,100/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2008)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History